z银行南昌分行个人住房贷款信用风险案例分析-金融专业论文.docxVIP

万方数据 万方数据 目 录 1 导论 ···························································································································· 1 1.1 选题的背景和意义··························································································· 1 1.2 国内外研究现状······························································································· 2 1.2.1 国外研究现状························································································· 2 1.2.2 国内研究现状························································································· 2 1.3 本文研究思路、方法与结构 ··········································································· 4 1.4 本文特色与不足······························································································· 5 HYPERLINK \l _TOC_250004 2 Z 银行南昌分行个人住房贷款业务案例介绍 6 HYPERLINK \l _TOC_250003 2.1 Z 银行南昌分行个人住房贷款发展现状 6 2.1.1 我国个人住房贷款发展近况 ································································· 6 2.1.2 我国商业银行个人住房贷款业务流程 ················································· 8 HYPERLINK \l _TOC_250002 2.1.3 Z 银行南昌分行个人住房贷款发展现状 9 HYPERLINK \l _TOC_250001 2.2 Z 银行南昌分行个人住房贷款信用风险典型案例 14 HYPERLINK \l _TOC_250000 3 Z 银行南昌分行个人住房贷款业务案例分析 16 3.1 我国商业银行个人住房贷款信用风险的种类 ············································· 16 3.1.1 理性违约······························································································ 16 3.1.2 非理性违约·························································································· 16 3.2 Z 银行南昌分行个人住房贷款信用风险成因 17 3.2.1 个贷中心内部控制存在薄弱环节 ······················································ 17 3.2.2 个人资信评估尚未制度化，还款能力难以衡量······························· 18 3.2.3 缺乏对房地产项目和开发商的有效监管··········································· 19 3.2.4 个人住房贷款人低龄化风险 ······························································ 19 3.3 Z 银行南昌分行个人住房贷款信用风险压力测试分析 20 3.3.1 变量说明 ······························································································ 20 3.3.2 描述性统计和模型设定